Will a claim you retract before you make repairs still be shown as an accident or affect your premium?
If the only damage is to your car and the accident did not
result in any property damage to anyone else then you can refuse
payment and close the claim without settlement and should be able
to avoid any negative impact on your rates. If on the other hand
there is damage to another vehicle or property that will be paid by
your insurance company then you might as well take what you can
from your insurance company for your vehicle.